Umpqua Bank in Nevada vs the state
14.3%Denial rate-3.16 pts vs state
18.6%Decision denial rate-3.62 pts vs state
62.5%Origination rate+4.79 pts vs state
7.50%Median rate+0.88 pts vs state
0.83Rate spread (pts)+0.54 pts vs state
$236kMedian applicant income
35Loans originated
8Denied
Trend in Nevada
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 75 | 53 | 17.3% | 8.75% | #150 |
| 2024 | 60 | 43 | 16.7% | 8.25% | #183 |
| 2025 | 56 | 35 | 14.3% | 7.50% | #195 |
What Umpqua Bank lends in Nevada
By loan purpose
By loan type
Why it denied Nevada applicants
Where in Nevada
Counties with the most Umpqua Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washoe County | 39 | 25 | 5 | 12.8% |
| Clark County | 10 | 7 | 2 | 20.0% |
| Lyon County | 4 | 2 | 1 | 25.0% |
| Douglas County | 2 | 1 | 0 | 0.0% |
| Humboldt County | 1 | 0 | 0 | 0.0% |
Other large lenders in Nevada
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 6,913 | 11.4% | 6.31% |
| Rocket Mortgage | C | 6,889 | 15.4% | 6.88% |
| Guild Mortgage | A | 5,533 | 2.6% | 6.50% |
| AMERICA FIRST Federal Credit Union | C | 3,873 | 28.6% | 7.24% |
| U.S. Bank | D | 3,745 | 40.2% | 7.65% |
| Bank of America | F | 3,296 | 35.9% | 6.24% |
| Pennymac Loan Services | C | 3,188 | 12.5% | 6.62% |
| Navy Federal Credit Union | D | 2,579 | 24.5% | 7.75% |
| Broker Solutions | D | 2,559 | 8.9% | 6.75% |
| Dhi Mortgage Company | B | 2,549 | 6.8% | 4.99% |
Frequently asked questions
Nevada: 56 applications in 2025, of which 35 were originated and 8 denied.
14.3% of all applications, or 18.6% of the applications it actually decided on. The Nevada statewide average across all lenders was 17.5%.
The median rate on loans Umpqua Bank originated in Nevada in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Umpqua Bank's own HMDA filing for properties located in Nevada, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology